413 S 26th St, Middlesboro, KY 40965 Property Records

Bell County property record for 413 S 26th St, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,008 sqft · built 1939
Lot Size	0.173 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Feb 2026)
Tax Bill	$804 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`069-42-13-011.00`

Property Details

APN / Parcel Number

Primary APN	`069-42-13-011.00`
Alternative APNs	`4361` `9137`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	A-Frame
Construction Type	Frame
Roof Type	Mansard
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.173 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	187 sqft
Driveway	Gravel Driveway
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Cooling System	None
Heating System	Space Heater
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	9137
Street Address	413 S 26TH ST
City	MIDDLESBORO
State	KY
Zip	40965-1452
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SE 305 (PART LOT 14 THRU 16)
Legal Lot Number	14-16
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	2
Census Block	2031
Census Tract	960600

Owner

Source: Bell County records, as of May 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	522 W VIRGINIA AVE, PINEVILLE, KY 40977-1324
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2026	Deed, Transfer · Conventional Mortgage HEARTHSIDE BANK CORP
Jul 20, 2018	Special Warranty Deed, Transfer · Stand-Alone First Mortgage COMMERCIAL BANK
Oct 23, 2017	Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2026 · Amount on Record
Deed Sale	Feb 12, 2026 · Amount on Record
Prior Sale	Jul 16, 2018
Deed Document Number	2026292520
Deed Book / Page	413 / 722
Record Updated	Sep 20, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Feb 12, 2026
Property Address	413 S 26TH ST, MIDDLESBORO, KY 40965-1452
Document Number	00D413/722
Book / Page	D413 / 722
Instrument Date	Feb 3, 2026
Instrument	292520
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2814 HIGHWAY 441, MIDDLESBORO, KY 40965-8787

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	522 W VIRGINIA AVE, PINEVILLE, KY 40977-1324

Mortgage

Document Number	0000292521
Date	Feb 12, 2026
Instrument	292521

Lender

Name	HEARTHSIDE BANK CORP
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

July 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BELL KY
Recording Date	Jul 20, 2018
Property Address	413 S 26TH ST, MIDDLESBORO, KY 40965-1452
Document Number	0000D379/1
Book / Page	D379 / 1
Instrument Date	Jul 16, 2018
Instrument	175971
Transaction Type	Transfer
Record Updated	Dec 20, 2022

Transaction

Tax	$63.50
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 400, HARROGATE, TN 37752-0400

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 S 26TH ST, MIDDLESBORO, KY 40965-1452

Mortgage

Document Number	0000175972
Date	Jul 20, 2018
Instrument	175972

Lender

Name	COMMERCIAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2048

October 2017: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	BELL KY
Recording Date	Oct 23, 2017
Property Address	413 S 26TH ST, MIDDLESBORO, KY 40965-1452
Document Number	00D376/133
Book / Page	D376 / 133
Instrument Date	Oct 3, 2017
Instrument	173176
Transaction Type	Foreclosure
Record Updated	Dec 20, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6710 CUMBERLAND GAP PKWY, HARROGATE, TN 37752-8013

Tax Assessment & Valuation

Source: Bell County assessment roll, as of December 16, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Bell County
Municipality	Middlesborough City
Unified School District	Middlesboro Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$804.00 (+21.08%)	$75,000 (+18.11%) Land $75,000	$75,000 (+18.11%) Land $75,000
2023	$664.00	$63,500	$63,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 28, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 32 policies
Nearby Flood Policies	32 in force
Nearby Flood Claims	24 (1982–2021)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Mar 2021 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2011 · 18 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 67% of Kentucky
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	KENTUCKY AMERICAN WATER - MIDDLESBORO private · serves 12,022 people · EPA ID KY0070282
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 373 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Eastern Telephone & Technologies Fixed Wireless	300 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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